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Tax-aware planning first. Products come later.

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Financial Planning

Retirement Planning

Planning comes before productsBuild retirement around the tax picture.

Explore the connected decisions that shape income, flexibility, and family security.

Retirement Planning OverviewSee how the planning areas connect.Pension Plan, Investment Plan & DROPTwo retirement plans; DROP only through the Pension Plan.Florida Teacher Retirement PlanningCoordinate FRS benefits, income, lump sums, taxes, and healthcare.Florida Firefighter Retirement PlanningTurn FRS or local pension benefits and savings into household income.Florida Law-Enforcement Retirement PlanningCoordinate FRS or local pension benefits, 457 assets, taxes, and survivor income.Tax-Efficient Retirement IncomeCoordinate the retirement paycheck.RMD & Roth Conversion PlanningEvaluate future distribution pressure.Social Security PlanningConnect benefits to the household plan.Medicare & IRMAA PlanningIdentify income-related premium exposure.Investment Tax CoordinationConnect gains, risk, and liquidity.

Real Estate & 1031

Plan before closingMake the property decision before the deadline.

Connect exchange rules to liquidity, income, concentration, and legacy priorities.

Real Estate & 1031 OverviewSee the complete planning path.Before the Property SaleCoordinate before the closing clock starts.45- and 180-Day RoadmapExplore the exchange deadlines.Replacement Property FitTest the next property against the plan.

Estate & Insurance

Protect the planStart with the people and the financial need.

Coordinate survivor income, liquidity, beneficiaries, policies, and estate documents.

Insurance Planning in FloridaDefine the risk before discussing a product.Annuities in FloridaCompare income, liquidity, costs, risks, and contract terms.Florida Medicare SupplementA separate Medicare-only guidance and application path.Estate & Insurance OverviewConnect people, assets, and liquidity.Life Insurance & LiquidityDefine the need before the policy.Estate & Legacy CoordinationAlign beneficiaries and financial actions.Survivor ReadinessSee what may change after the first death.

Family Retirement ServicesA personal planning relationship.

See how the FRS team puts tax-aware planning and clear coordination first.

About FRSMeet the people and planning philosophy.Palm Beach County Financial AdvisorLocal planning from Lake Worth.Wellington Financial AdvisorServing the nearby Wellington community.InsightsExplore tax-aware retirement education.How We WorkScan, identify, and coordinate.Our TeamLearn about Terry and Kelly.Start a ConversationChoose a private way to connect.

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Financial Planning Tax-Aware Planning

Retirement Planning

Retirement Planning Overview Pension Plan, Investment Plan & DROP Florida Teacher Retirement Planning Florida Firefighter Retirement Planning Florida Law-Enforcement Retirement Planning Tax-Efficient Retirement Income RMD & Roth Conversion Planning Social Security Planning Medicare & IRMAA Planning Investment Tax Coordination

Real Estate & 1031

Real Estate & 1031 Overview Before the Property Sale 45- and 180-Day Roadmap Replacement Property Fit

Estate & Insurance

Insurance Planning in Florida Annuities in Florida Florida Medicare Supplement Estate & Insurance Overview Life Insurance & Liquidity Estate & Legacy Coordination Survivor Readiness

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We start by looking for potential tax pressure points, then coordinate retirement, investment, real estate, and legacy decisions around your life.

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Investment advisory services are offered by Signal Advisors Wealth, LLC ("Signal Wealth"), a Registered Investment Adviser with the U.S. Securities & Exchange Commission. Registration with the SEC does not imply a certain level of skill or training. Insurance products and services are offered through Martine Financial Co d/b/a Family Retirement Services. Signal Wealth does not offer insurance products. Martine Financial Co d/b/a Family Retirement Services is not affiliated with Signal Wealth. Additionally, when Martine Financial Co and/or its agents are recommending and/or selling insurance products they are not acting on behalf of Signal Wealth or in a fiduciary capacity, and instead are governed by the applicable insurance rules and regulations. For more information about Signal Wealth, or to receive a copy of the firm's disclosures, view Signal Wealth's Form ADV and Form CRS.

Martine Financial Co d/b/a Family Retirement Services is not affiliated with or endorsed by the U.S. Government or any governmental agency. Martine Financial Co d/b/a Family Retirement Services and its agents do not provide tax, legal or social security advice. Clients are advised to consult their tax advisor or attorney regarding tax and legal advice and to contact the Social Security Administration at their local office or online at www.ssa.gov.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is not indicative of future results. The information provided herein is for informational purposes only. None of the information contained herein shall constitute an offer to sell or solicit any offer to buy any security, investment advisory or insurance product. Investment advisory services are provided in accordance with a fiduciary duty of care and loyalty that includes putting client interests first and disclosing conflicts. Insurance services have a best interest standard which requires recommendations to be in the client's best interest. Advisors may receive commissions and other compensation for the sale of insurance and annuity products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.

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